Parshall, ND · Cert 8382
FDIC
Q4 2007
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Tier 1 Leverage Ratio
Year to date, annualized, through each quarter.
| Metric | Q1 2006 | Q2 2006 | Q3 2006 | Q4 2006 | Q1 2007 | Q2 2007 | Q3 2007 | Q4 2007 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.95% | 1.96% | 2.01% | 1.73% | 2.47% | 2.55% | 2.51% | 1.80% | +7 bps | |
| Return on Equity | 13.85% | 13.60% | 13.84% | 11.88% | 16.88% | 17.43% | 17.12% | 12.73% | +85 bps | |
| Net Interest Margin | 3.86% | 3.87% | 3.83% | 3.82% | 4.02% | 4.11% | 4.06% | 3.68% | -14 bps | |
| Efficiency Ratio | 49.89% | 49.72% | 49.22% | 57.27% | 39.96% | 40.12% | 40.39% | 54.57% | -270 bps | |
| Non-Interest Burden | 1.77% | 1.77% | 1.73% | 2.05% | 1.48% | 1.50% | 1.48% | 1.90% | -15 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 4.37% | 3.32% | -3.32% | 1.83% | 0.11% | 9.33% | 7.73% | 23.95% | +2,212 bps | |
| Loan Growth (YoY) | 0.08% | 4.49% | 2.97% | 12.18% | 25.93% | 17.69% | 4.21% | 0.39% | -1,180 bps | |
| Deposit Growth (YoY) | -3.75% | -6.84% | -11.27% | -7.34% | -0.21% | 17.12% | 18.99% | 32.40% | +3,974 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | -1.20% | -0.12% | -0.13% | -0.06% | -0.03% | 0.28% | 0.20% | -0.01% | +5 bps | |
| Allowance / Loans | 2.08% | 1.59% | 1.55% | 1.46% | 1.42% | 1.16% | 1.26% | 1.44% | -2 bps | |
| Allowance Coverage of NPLs | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Total Risk-Based Capital | 20.53% | 19.21% | 19.39% | 19.71% | 19.25% | 17.56% | 18.85% | 17.74% | -197 bps | |
| Equity / Assets | 14.13% | 14.98% | 15.03% | 14.49% | 14.78% | 14.59% | 14.84% | 12.36% | -213 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 65.99% | 83.27% | 89.06% | 80.52% | 83.27% | 83.68% | 78.00% | 61.05% | -1,947 bps | |
| Liquid Assets / Assets | 22.24% | 23.54% | 21.46% | 20.20% | 18.18% | 15.62% | 15.00% | 13.61% | -658 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |